Write a review

HSBC: Fixed Rate Mortgage reviews

Name: Fixed Rate Mortgage
Rating: 3.77 (93 reviews)

View other HSBC products

3.73

Based on 93 reviews, last reviewed 12th Jun 2025

200% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

47%

24%

19%

Latest highest rating:

5

Easy first time buyer mortgage HSBC made the stressful experience of getting a mortgage so easy, even when our broker kept requesting new offers when the market changed and rates we... Read more Reviewed on: 12th June 2025

Latest lowest rating:

1

Lying con artists, should be banned As per my contract I could port my 5 years fixed mortgage. Sold my house, struggled to find another one, finally did and HSBC said they can't offer me... Read more Reviewed on: 20th June 2024

Read all reviews See your review

About this product

HSBC Fixed Rate Mortgage reviews (93)

Review of the HSBC, Fixed Rate Mortgage:

Lying con artists, should be banned

As per my contract I could port my 5 years fixed mortgage. Sold my house, struggled to find another one, finally did and HSBC said they can't offer me half as much amount, sent 39 documents proving now I earn much more and their mortgage advicer cancelled last min twice and then I raised a formal complain eventually got another advicer, she was a script reading robot who asked for way more documents despite some were not relevant. Mortgage in principal was approved for the amount I wanted but when it came to actual application for which I was asked to produce bonus letter, work official letter showing pay raise, I was pushed down to £20k less than my required amount on much cheaper property than I had few months ago. Nevertheless, carried out hard search and several soft searches and after 2+ months of struggle and discrimination today I'm told I'm not approved for anything over a phone call at 7pm. Absolutely disgrace, greedy twits with incompetent script reading clowns who can't speak English. Will never be using HSBC again. Reviewed on: 20th June 2024

Great rates, but could be a little quicker

Got a fantastic rate, was amongst the best in the market at the time. However, things were a little slow at their end, hence why I didn't give top marks. Reviewed on: 6th November 2017

Good rate but terrible application process

It took over 3 months to sort our new mortgage with hsbc despite having been known to them for over 20 years as a current account holder. The online application process was hellish as the system made me reset my username and password every time I tried to log on. And all this at the time of their tv ads where they boasted they could agree your mortgage in a day. Still, good rate saved us £200 pcm so worth it I suppose. Reviewed on: 6th November 2017

0.99% 2 year

great product, took ages to get approval through initially despite being a 20 year customer (I think because they were overwhelmed with demand), but customer service person was very helpful and seemed to make an extra effort to get things through Reviewed on: 11th June 2017

AWESOME

Love HSBC and my student credit card. Very good. Reviewed on: 10th June 2017

Best rate, Easy to renew

As a HSBC current account customer HSBC seemed like the logical choice for a mortgage. I was also surprised to find they had one of the lowest rates of the big banks and as I was already a customer I didn't have to pay a fee for having a 3 year fixed rate on my mortgage. They were so good i recently re-fixed with them! Reviewed on: 30th May 2017

cloak and dagger

Had a joint mortgage and two names on property deeds. HSBC always told me to confirm with other account holder when making changes. Now I find my ex wife was able to make any changes she wanted with my knowledge. Reviewed on: 12th February 2017

Fair price excellent internet banking

HSBC mortgages were competitive with what else is available on the high street and I love the fact it connects seamlessly with my HSBC current account banking. Reviewed on: 10th February 2017

Poor Customer Service - Outrageous criteria

I went to an independent mortgage advisor as my fixed rate had expired with my current lender (not HSBC). HSBC were offering great rates and as what we thought were a reputable company we went with them. 3 months later after numerous calls from my mortgage advisor, HSBC were still no further down the line to offer us a mortgage. In this time we were paying £130pm extra on current mortgage! HSBC have no concept of customer service and their criteria for even a low mortgage value is ridiculous even when we could afford the payments twice over. In the end we pulled out of the application. We are just grateful we were dependent on the mortgage for the purchase of a house as we would have lost it due to their incompetencies. I do not recommend HSBC whatsoever! Reviewed on: 27th January 2017

Awful

I have been a hsbc customer since 1996 and wanted to change the mortgage I had with them. They have ridiculously strict lending policies. We were told we would have to stay on the standard rate at the end of a fixed term deal as we didn't meet affordability criteria. This meant we were actually paying more each month. They offered no help to us whatsoever despite the fact we had never missed a payment. Needless to say we moved our mortgage to another bank and got a great deal. Reviewed on: 15th November 2016

Simple, Affordable & Friendly

Sends monthly statements through with balance left to pay off. Really easy to know where you stand! Looking to renew next year and HSBC will be the first place we look. Reviewed on: 15th November 2016

Do you have a different HSBC product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Tracker Rate Mortgage
from RBS 2.67 from 3 reviews
Fixed Rate Mortgage
from RBS 3.71 from 11 reviews
Mortgages
from Hinckley & Rugby Building Society 4.56 from 372 reviews

Want to see more from HSBC?

Stocks and shares ISA
from HSBC 4.71 from 6 reviews
Regular Saver
from HSBC 4.42 from 25 reviews
Business Insurance
from HSBC 4.33 from 3 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub